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  1. 🏠
  2. Medicare Advantage Plans
  3. Illinois
  4. Mclean County

2027 Medicare Advantage Plans in Mclean County, IL

Last update: October 4, 2026.

In Mclean County, IL, there are 19 Medicare Advantage plans available for 2027. Of these, 12 offer a $0 monthly premium, and about 74% are rated 4 stars or higher based on CMS quality ratings.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$22.05/mo
Plans with $0 Premium
12
Average MOOP Limit
$6,029 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 74% · 3 Stars: 26% · Below 3: 0%
Average Part D Deductible
$697.86
Total MA/MAPD Enrollment
6,924
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana Gold Plus H1468-007 (HMO) — 2,470 enrollees
2. Aetna Medicare Signature (PPO) — 1,151 enrollees
3. Aetna Medicare Enhanced (PPO) — 1,056 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Mclean County, IL. Or explore all Medicare Options available in Mclean County, IL. To understand how local plans fit into the broader market, visit our Illinois Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
13
Average Monthly Premium
$23.85/mo
Total PPO Enrollment
4,136
$0 Premium PPO Plans
8
Average MOOP
$6,042
Top PPO by Enrollment
Aetna Medicare Signature (PPO) — 1,151 enrollees
PPO Plans Without Drug Coverage
5

PPO Medicare Advantage plan comparison – Mclean County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H7617-022-0
HumanaChoice Giveback H7617-013
☆☆☆☆☆
$0 $5,000 $700 H7617-013-0
AARP Medicare Advantage from UHC IL-6
☆☆☆☆☆
$59 $6,700 $685 H8768-011-0
AARP Medicare Advantage Patriot No Rx IL-MA01
☆☆☆☆☆
$0 $7,150 N/A H8768-019-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $4,900 N/A H7301-023-0
Aetna Medicare Enhanced
☆☆☆☆☆
$58 $4,900 $700 H7301-009-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $700 H7301-007-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,000 N/A H5216-355-0
HumanaChoice Giveback H5216-403
☆☆☆☆☆
$0 $5,000 $700 H5216-403-0
HumanaChoice H5216-399
☆☆☆☆☆
$33 $6,250 $700 H5216-399-0
HumanaChoice H5525-004
☆☆☆☆☆
$73 $6,300 $700 H5525-004-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,750 N/A R5361-001-0
HumanaChoice R5361-002
☆☆☆☆☆
$87 $7,700 $700 R5361-002-0
What is the total number of PPO plans offered in Mclean?

Mclean County has 13 PPO plans for 2027, with 4,136 enrolled.

How much do PPO plans cost in Mclean?

The typical PPO premium in Mclean is $23.85, and 8 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
3
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
2,576
$0 Premium HMO Plans
3
Average MOOP
$5,600
Top HMO by Enrollment
Humana Gold Plus H1468-007 (HMO) — 2,470 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Mclean County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H1468-007
☆☆☆☆☆
$0 $3,500 $700 H1468-007-0
Wellcare Giveback
☆☆☆☆☆
$0 $7,800 $700 H5779-010-0
Wellcare Simple Essential
☆☆☆☆☆
$0 $5,500 $700 H5779-009-0
What is the average monthly premium for HMO plans?
HMO plans in Mclean cost $0.00 per month on average.
Which HMO plan is most popular in Mclean?
The most popular HMO plan in Mclean is Humana Gold Plus H1468-007 (HMO), with 2,470 enrollees.
How many HMO plans in Mclean do not include drug coverage?
There are 0 HMO plans in Mclean without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 2
  • Average Monthly Premium $24.50/mo
  • Total HMO-POS Enrollment 187
  • $0 Premium HMO-POS Plans 1
  • Average MOOP $5,700
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC IA-0002 (HMO-POS) — 187 enrollees
  • HMO-POS Plans Without Drug Coverage 0

HMO-POS Medicare Advantage plan comparison – Mclean County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC IA-0002
☆☆☆☆☆
$49 $5,900 $685 H5253-108-1
Wellcare Simple Value
☆☆☆☆☆
$0 $5,500 $700 H1416-084-0
What is the total number of HMO-POS plans in Mclean?

There are 2 HMO-POS plans in 2027, covering 187 enrollees.

How much do HMO-POS plans cost in Mclean?

The average HMO-POS premium in Mclean is $24.50 per month, with 1 plans offering $0 premiums.

What is the leading HMO-POS plan in Mclean?

AARP Medicare Advantage from UHC IA-0002 (HMO-POS) is the top HMO-POS in Mclean, with 187 enrollees.

What is the number of HMO-POS plans without Part D coverage in Mclean?

0 HMO-POS plans in Mclean do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$60.00/mo
Total PFFS Enrollment
25
$0 Premium PFFS Plans
0
Average MOOP
$7,800
Top PFFS by Enrollment
Humana Gold Choice H8145-006 (PFFS) — 25 enrollees
PFFS Plans Without Drug Coverage
0

PFFS Medicare Advantage plan comparison – Mclean County, Illinois, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-006
☆☆☆☆☆
$60 $7,800 $700 H8145-006-0

What is the average monthly premium for PFFS plans?

PFFS plans in Mclean cost $60.00 per month on average.

Which PFFS plan is most popular in Mclean?

The most popular PFFS plan in Mclean is Humana Gold Choice H8145-006 (PFFS), with 25 enrollees.

How many PFFS plans in Mclean do not include drug coverage?

There are 0 PFFS plans in Mclean without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Mclean County, IL for 2027.

CMS Star Ratings for Medicare Advantage Plans in Mclean County, IL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 74%
3 Stars 5 26%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.89

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Mclean County, Illinois, including communities such as Bloomington, Carlock, Chenoa, Danvers, Downs, Gridley, Heyworth, Hudson, Le Roy, Lexington, Normal, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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